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SHIELD-OPS // THREAT-ASSESSMENT-v2.6
YOUR CARRIER
WON'T COVER
SGLI GAPS
WE WILL
COVERAGE ASSESSMENT ACTIVE

Built for E-4s through O-5s. Covers medevac from Djibouti, gear loss through Ramstein, and orders-based trip interruption — the exact scenarios civilian carriers redline.

Check Your Coverage FreeSee coverage gaps
47
Countries Covered
$500K
Medevac Limit
48H
Orders Change Window
100%
OCONUS Eligible
SCROLL FOR INTEL
INTELLIGENCE BRIEF // COVERAGE COMPARISON

YOUR CURRENT PLAN
HAS 7 GAPS

7
Coverage Gaps
Detected
Scenario
Category
Civilian Carrier
SHIELD ◈
Medevac — Djibouti to CONUS
MEDICAL
✕ EXCLUDED
Combat zone exclusion
● COVERED
Up to $500,000
Orders-Based Trip Cancellation
CANCELLATION
✕ EXCLUDED
Not a covered reason
● COVERED
48-hr notice accepted
OCONUS Hospital Treatment
MEDICAL
◐ PARTIAL
Network limits apply
● COVERED
Any facility worldwide
Military Gear in Transit
BAGGAGE
✕ EXCLUDED
Excluded: duty equipment
● COVERED
$5,000 military rider
Dependent PCS Travel
DEPENDENT
◐ PARTIAL
Spouse only, 30-day limit
● COVERED
All dependents, 90 days
R&R Flight to Europe
TRIP
● COVERED
Standard terms
● COVERED
Enhanced + orders clause
Drill Weekend Conflict
GUARD/RESERVE
✕ EXCLUDED
Military duty excluded
● COVERED
Guard/Reserve specific
Emergency Repatriation
MEDICAL
◐ PARTIAL
$50,000 cap
● COVERED
No sub-limit cap
Legend:
Covered
Excluded
Partial / Gap
8 scenarios analyzed
MISSION BRIEFS // REAL SCENARIOS

FOUR SITUATIONS
CIVILIAN CARRIERS FAIL

ALPHA-1·OP DJIBOUTI EXTRACT

Medevac — Camp Lemonnier

E-6, 10th Mountain Division
COVERED
⚠ THREAT ASSESSMENT

Appendicitis during deployment rotation. Nearest capable facility: Djibouti Bouffard Medical. Civilian carrier: combat zone exclusion invoked. Zero coverage.

✓ SHIELD RESPONSE

Shield medevac rider activated. Air transport coordinated to Ramstein AFB medical facility. Total claim: $187,400.

Claim Amount$500,000
BRAVO-2·OP RAMSTEIN TRANSIT

Gear Loss — Baggage Rider

SSG, 82nd Airborne
COVERED
⚠ THREAT ASSESSMENT

IOTV, NVGs, and mission-essential kit lost in baggage transfer through Ramstein Air Base. Standard policy: "duty equipment" exclusion.

✓ SHIELD RESPONSE

Shield military equipment rider: $5,000 covered. Replacement coordinated within 72 hours.

Claim Amount$5,000
CHARLIE-3·OP LEAVE ABORT

Orders Change — R&R

CPT, 3rd ID, Spouse in Prague
COVERED
⚠ THREAT ASSESSMENT

Orders modified 48 hours before departure. Nonrefundable flights: $2,300. Hotel: $890. Civilian carrier: "personal obligation" — denied.

✓ SHIELD RESPONSE

Shield orders-change clause triggered. Full trip cost reimbursed within 5 business days.

Claim Amount$3,190
DELTA-4·OP DRILL CONFLICT

Guard Drill Cancellation

SPC, Ohio Army National Guard
COVERED
⚠ THREAT ASSESSMENT

Unexpected drill weekend activation conflicts with nonrefundable family vacation. Civilian carrier: "military duty" exclusion clause.

✓ SHIELD RESPONSE

Shield Guard/Reserve rider: full cancellation coverage. Rescheduling assistance included.

Claim Amount$4,200
All scenarios based on documented claims data. Names omitted.
GAP ANALYSIS // COMPARATIVE METRICS

THE NUMBERS
DON'T LIE

Side-by-side comparison of coverage limits. Each gap is a scenario where your current carrier leaves you exposed.

Medevac Coverage Limit

GAP
Civilian Carrier$50,000
Shield Coverage$500,000

Most civilian plans cap emergency air evacuation at $50K. A single medevac from OCONUS averages $180K.

Cancellation Scenarios Covered

GAP
Civilian Carrier12
Shield Coverage31

Standard plans cover 12 cancellation triggers. Shield adds 19 military-specific reasons including orders changes, deployment extensions, and training conflicts.

Countries in Network

GAP
Civilian Carrier28
Shield Coverage47

Civilian networks avoid high-risk zones. Shield covers 47 countries including OCONUS deployment locations.

Baggage Equipment Limit

GAP
Civilian Carrier$500
Shield Coverage$5,000

Standard baggage riders exclude "duty equipment." Shield's military rider covers issued gear up to $5,000.

FIELD REPORTS // VERIFIED MEMBERS
"

Civilian carrier denied my claim when orders changed 36 hours out. Shield paid within a week, no questions about the deployment.

JR
CPT, U.S. Army
3rd Infantry Division
"

As a Guard member, every standard policy I found had a military duty exclusion. Shield was the only product built for how we actually serve.

MT
SGT, Ohio Army National Guard
166th Aviation Brigade
"

My wife was traveling to meet me in Germany when I had to extend. Shield covered the full rebooking. That's exactly what SGLI doesn't touch.

DW
SSG, U.S. Air Force
Ramstein AB
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